UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) February 28, 2006
COMMUNITY CENTRAL BANK CORPORATION
(Exact name of registrant as specified in its charter)
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Michigan
(State or other jurisdiction of
incorporation)
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000-33373
(Commission File No.)
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38-3291744
(IRS Employer jurisdiction
Identification Number) |
P.O. Box 7, Mount Clemens, Michigan 48046-0007
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code: (586) 783-4500
N/A
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the
filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):
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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17
CFR 240.14d-2(b)) |
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17
CFR 240.13e-4(c)) |
TABLE OF CONTENTS
Item 7.01. Regulation FD Disclosure
Forward-Looking Statements
When used in this Current Report on Form 8-K and in other reports filed with or furnished to
the Securities and Exchange Commission, in press releases or other public shareholder
communications, or in oral statements made with the approval of an authorized executive officer,
the words or phrases “believe,” “will likely result,” “are expected to,” “will continue,” “is
anticipated,” “estimate,” “project,” “plans,” or similar expressions are intended to identify
“forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of
1995. You are cautioned not to place undue reliance on any forward-looking statements, which speak
only as of the date made. These statements may relate to our future financial performance,
strategic plans or objectives, revenues or earnings projections, or other financial items. By
their nature, these statements are subject to numerous uncertainties that could cause actual
results to differ materially from those anticipated in the statements. Important factors that
could cause actual results to differ materially from the results anticipated or projected include,
but are not limited to, the following: expected cost savings and synergies from our acquisition
activities might not be realized within the expected time frames, and costs or difficulties related
to integration matters might be greater than expected; expenses associated with the implementation
of our trust and wealth management services might be greater than expected, whether due to a
possible need to hire more employees than anticipated or other costs incurred in excess of budgeted
amounts; the credit risks of lending activities, including changes in the level and direction of
loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for
loan losses; competitive pressures among depository institutions; interest rate movements and
their impact on customer behavior and net interest margin; the impact of repricing and
competitors’ pricing initiatives on loan and deposit products; the ability to adapt successfully
to technological changes to meet customers’ needs and developments in the market place; our ability
to access cost-effective funding; changes in financial markets; changes in economic conditions in
general and particularly as related to the automotive and related industries in the Detroit
metropolitan area; new legislation or regulatory changes, including but not limited to changes in
federal and/or state tax laws or interpretations thereof by taxing authorities; changes in
accounting principles, policies or guidelines; and our future acquisitions of other depository
institutions or lines of business.
Community Central Bank Corporation does not undertake any obligation to update any
forward-looking statement to reflect circumstances or events that occur after the date on which the
forward-looking statement is made.
Investor presentation materials are attached to this Form 8-K as an exhibit.